- Debt advice
- Apply for debt help
- Debt Management
- Debt Consolidation
- IVA
- Debt Arrangement Scheme
- Trust Deed
- Debt Relief Order
I need help with money - what should I do?
If you're looking for help with your money, you could start by making a budget and seeing how much help you actually need.
How long does debt stay on your credit report in the UK?
Unsecured debt remains on your credit report while it is current. Once it's settled, records remain there for six years.
How much debt do you have to be in to go bankrupt?
There's no figure set in stone for people who want to go bankrupt. It depends on your circumstances.
Does debt consolidation include car loans?
You can use a debt consolidation loan to pay off any kind of debt, including car loans. Read more here.
How much debt do you need to go bankrupt?
If you live in England, Wales and Northern Ireland, there's no minimum amount of debt you need to go bankrupt. However, in Scotland, things are different.
Bankruptcy Laws in England and Wales
Click here to find out more about how the bankruptcy laws in England and Wales could affect you.
Should I secure a debt consolidation loan against my house?
A secured debt consolidation loan may give you access to better rates and larger loans than an unsecured debt consolidation loan would.
How to pay off your debt
Here you'll find an explanation of the difference between priority debts and unsecured debts.
Guide to debt collectors and bailiffs
If you're looking for help and advice on how to deal with debt collectors and bailiffs, our guide could give you the answers you need.
Where can I find a debt calculator?
You can find two debt calculators on this page, one for mortgages and one for loans.
Will a debt management plan stop me getting a mortgage?
Agreeing a debt management plan will affect your credit rating for up to six years - which could affect your ability to get a mortgage.
Is it time to consolidate your debts?
A debt consolidation loan could help you simplify the way you repay your debts, with a single payment per month that you can afford.
How do I calculate which debt to pay off first?
What's the best way to repay your debts? Different people will take different approaches - so you might find the ideas on this page useful.
Find out how debt consolidation could help you
Debt consolidation replaces lots of different debts with just one. Read about how it could help you here.
Bailiffs and debt management
Even if bailiffs are contacting you, you may still be able to reach an agreement with them. A debt management plan could help.
What is the minimum amount of debt to file for bankruptcy?
A creditor could petition for your bankruptcy if you owe them just £750, but if you file for your own bankruptcy, there's no actual minimum set down. Read more here.
FAQs: Commonly Asked Debt Consolidation Questions
Debt consolidation could help you to arrange payments you can afford, simplify your finances and take some pressure off your budget.
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